OneCard Metal Credit Card review
A tidy free card for someone who wants a metal card, a good app and a low 1% forex markup. Its rewards are modest: about 1% only on your top two categories and 0.2% elsewhere. People chasing high rewards on shopping or bills will do better with other cards.
Fees
Lifetime free. Forex markup 1%.
Rewards
1 point = ₹0.10, redeemable against transactions or your bill with no redemption fee; points do not expire
- Fuel: 0% – No points on fuel
- Bills: 0% – Bills and utilities (electricity, mobile, FASTag, gas) stopped earning points from 15 July 2026
- Rent: 0% – Reported to earn no points
- Everything else: 0.2%
On a typical spending pattern this card gives back about ₹828 a year.
What’s good
- Lifetime free metal card managed fully from the OneCard app
- 5X points (about 1%) on your top two spending categories each month, picked automatically
- Low 1% forex markup
- Points never expire and redeeming them is free
What’s not
- Base return is only about 0.2%
- 5X needs spending spread across at least three categories in the month
- No lounge access, and bills, rent and fuel earn nothing
- Only issued in selected cities; elsewhere you need a fixed-deposit-backed version
Lounge access
Domestic: None. International: None.